Personal Property Coverage Calculator
Two ways to size Coverage C: itemize room-by-room or use the % of dwelling shortcut. Either way, watch for special limits that can leave high-value items uncovered.
Your inputs
How this is calculated
Room-by-room sliders sum directly. Sub-limit alerts trigger at common carrier caps: jewelry over $1,500, business equipment / high-value electronics over $2,500. The percentage method multiplies your Coverage A by the chosen percentage — standard HO-3 policies default Coverage C to 50–70% of Coverage A.
Got jewelry, tools, or business gear?
Standard policies cap those categories tightly. An independent advisor can compare scheduled-rider options across carriers.
Frequently asked questions
What is Coverage C / personal property coverage?
Coverage C pays to replace your belongings — furniture, electronics, clothing, kitchenware — if they're stolen or damaged by a covered peril. It typically defaults to 50–70% of your Coverage A (dwelling) limit.
What are special limits in homeowners insurance?
Most policies cap payouts for certain categories regardless of your Coverage C total. Common caps: jewelry $1,500, firearms $2,500, business equipment $2,500, cash $200. To insure beyond these, you need a scheduled personal property rider.
Should I pick ACV or RCV on contents?
Replacement Cost Value pays the cost to buy a new replacement — far better than ACV, which depreciates a 5-year-old TV before paying out. The premium difference is usually small. Always pick RCV on contents if offered.
Do I need a home inventory?
Yes. After a fire or burglary, you'll need to itemize losses for the carrier. A photo or video walk-through of every room (open closets and drawers) is the minimum. Detailed inventories with receipts speed up settlements meaningfully.
How accurate is the percentage shortcut?
Using 50–70% of your dwelling is fine as a first pass for typical households. Empty-nesters often need less; collectors, professionals working from home, or jewelry/tool owners need significantly more.